MBNA® True Line® Mastercard®
4.1·Paying down debt with a low rate and a 0% balance transfer
- Annual fee
- No annual fee
- Top reward
- No rewards
- Low ongoing purchase rate
- 0% intro balance-transfer offer
low interestbalance transfer
Scotiabank® Value Visa® Card review
4.0Rated by the CreditCardGuru Editorial Team
A low-interest workhorse: 13.99% on both purchases and cash advances, plus recurring 0% balance-transfer promos, for a small $29 fee. Built for carrying or consolidating a balance.
At a glance
- Annual fee
- $29
- Foreign tx fee
- 2.5%
- Network
- VISA
- Rewards
- cash back
- Purchase APR
- 13.99%
Rewards & earn rates
| RewardsNo rewards — built for low interest | 0% |
Pros & cons
Pros
- Low interest on purchases AND cash advances
- Frequent 0% balance-transfer promos
- Low $29 annual fee
Cons
- Has an annual fee
- Earns no rewards
Perks & insurance
Key perks
- Low 13.99% interest on purchases and cash advances
- 0% intro balance-transfer promotions
- Travel discounts via Visa
Insurance
- Visa zero-liability protection
Rates & fees
- Annual fee
- $29
- Purchase interest
- 13.99%
- Cash advance
- 13.99%
- Foreign transactions
- 2.5%
Compare Scotiabank® Value Visa® Card with…
Last updated June 1, 2026Reviewed by CreditCardGuru Editorial Team
Similar cards to consider
CIBC® Select Visa® Card
3.8·Anyone carrying a balance or consolidating credit card debt.
- Annual fee
- $29/yr
- Top reward
- No rewards
- One of the cheapest ways in Canada to pay down card debt
- Same low rate applies to cash advances
Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.
Written by
C
CreditCardGuru Editorial Team
Rewards & Cards Research
Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.
- 200+ Canadian cards tracked
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Cite this page
“Scotiabank® Value Visa® Card Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/scotiabank-value-visa, updated June 1, 2026.